Speeding + Insurance

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Wed Sep 03, 2008 11:13 pm   Post subject: Speeding + Insurance  

About me:

Male, mid-20's, caught speeding for the very 1st time today, 82 in a 65mph zone



Where: PA



Where I'm originally from: NJ



What I Know: Usually a 4 pt infraction. But across state borders, I'm told 2 pts.



What I Want to Know: What do I do from here?



I've been told to:

1) Take a defensive driving course to eliminate the points. (I DON'T want to pay thousands in car insurance over the next 3 years)

2) Plead not guilty, go to court, and offer to pay more upfront to erase the points.

3) Plead guilty, pay the fine, accept the points, and suffer for speeding.



Any advice would be great for this desperate, immature fool. (You'd think the insurance companies would be lenient for a dude who's gotten to his mid-20's without a single traffic infraction but apparently speeding 17mph above the speed limit is a huge no-no)

asmallchild
New member
Leave a quick message



Joined: 03 Sep 2008
Posts: 1


1.71 Dollars($)

PostPosted: Thu Sep 04, 2008 12:28 am   Post subject:   

Is #2 like a bride? You offer to pay the judge off for reduced points? I've never heard of paying more to have the state "over look" a wrong doing. If this works, let me know as I have some extra cash and would love to break some laws with no worries.



#3 Makes little sense to me. Why pay more if you can avoid it?



#1: I searched a few sites and found some information that indicated PA does not allow traffic classes to remove points from drivers licenses. Other information I found states that you should contact your local court as it might be possible that an online course will dismiss the citation.



My suggestion... before you determine what to do, call your local court and ask how driving school would affect your situation.

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 5991

Location: Salt Lake City, UT
359.72 Dollars($)

PostPosted: Thu Sep 04, 2008 12:58 am   Post subject:   

I agree contact the court, and then you might contact a traffic attorney, I know our daughter got an attorney twice, (one more ticket and she'd have lost her license) and some how got them reduced to defective vehicle..I know don't ask me, what one has to do with the other, I just know the girl paid the attorney 200 bucks and poof it was gone, no points....certainly worth a shot....



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Thu Sep 04, 2008 4:18 am   Post subject:   

The PA DMV says that if you have been cited for traffic violation you are required to pay the fine at the local court and settle the matter. However, I doubt that it will help you in eliminating the points from your record because for paying the fine you are required to plead guilty, which anyway will stick to your license, as well as to your driving record, for the coming days.



However, if you have maintained a clear record so far, the insurer may take a lenient approach this time, which may yield an unaltered premium rate Wink



~Jeremy

JeremyHolter
Senior member
Leave a quick message

Jeremy Holter

Joined: 06 Jun 2007
Posts: 1185


210.40 Dollars($)

PostPosted: Thu Sep 04, 2008 4:30 am   Post subject:   

Hi tcope,



I'd truly love to know more about your opinion regarding this one-

Quote:
Other information I found states that you should contact your local court as it might be possible that an online course will dismiss the citation.
After so many months of watching your posts & getting a taste of your knowledge & conscience, I have very little doubt that you'd not accept such ideas as an "online course" if it has got nothing to do with practical training sessions.



I'd be truly glad if you'd tell me more about the design & content of such training sessions as this one. May be I'm missing out on facts that I'd love to get updated with. Thanks, Fatman
fatman
Moderator
Leave a quick message

fatman

Joined: 04 Oct 2005
Posts: 568


104.31 Dollars($)

PostPosted: Thu Sep 04, 2008 4:56 am   Post subject:   

Hi, see, the dept. of transportation has the responsibility to store the driving history for all drivers who got their license under the PA regulations. Under circumstances that a driver commits a driving error points would be attached to his driving record as a measure of penalty.



If he commits such a mistake for the second time, then the highest point value would be added to his record. So, I don't see any reason why PA would not check such untimely & unjustified removal of points which would mean nothing but a wholesome relaxation & encouragement of negligence on the road.

Regards, ArindamSenIndies

ArindamSenIndies
Senior member
Leave a quick message

ArindamSenIndies

Joined: 14 Feb 2007
Posts: 360


68.94 Dollars($)

PostPosted: Thu Sep 04, 2008 5:13 am   Post subject:   

Guys, I see there's even something important to note regarding the teenagers-



For guys who are 18 or below, the license would be canceled under the following circumstances:



* 6 or more points have been stored upon their driving record



* Once they have been found guilty of driving at a speed more than 26mph.



The tenure of suspension would be as-



* In case of the first suspension it would be worth 90 days



* For further suspensions beyond the first one it would be worth 120 days.



Regards, Fatman

fatman
Moderator
Leave a quick message

fatman

Joined: 04 Oct 2005
Posts: 568


104.31 Dollars($)

PostPosted: Thu Sep 04, 2008 5:26 am   Post subject:   

Quote:
I'd truly love to know more about your opinion regarding this one-
I don't have an opinion about it... it's just one of the things I read on one of the online traffic school's web site:



"Will this Pennsylvania defensive driving course help dismiss a traffic ticket or reduce the fine?

You should always check with your court first. Most courts will allow you to take an online Pennsylvania defensive driving course to dismiss a traffic ticket, but it's ultimately up to the court to grant you this permission."



I was not sure it was correct as other sites had difference information. That is the reason I recommended calling traffic court.
tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 5991

Location: Salt Lake City, UT
359.72 Dollars($)

PostPosted: Thu Sep 04, 2008 5:34 am   Post subject:   

There are situations wherein a driver may try & achieve a point value lower than 6 even after his first offense & then again cause a second offense to make it to 6. Under such circumstances, the driver would be called for a hearing. A notice would be served to him in connection with the hearing stating the date & time. The hearing office has to undertake one or more of the following steps against him once they have full review of the latest mishap.



  • Issue a license cancellation for 15 days.



  • Urge the driver to sit for an on-road driving test.



  • Spare him for the time




They would reduce 2 points from the driving record once the driver passes the driving test within 30 days.
roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.27 Dollars($)

PostPosted: Thu Sep 04, 2008 6:39 am   Post subject:   

Hi Roddick,



Quote:
They would reduce 2 points from the driving record once the driver passes the driving test within 30 days.


There is another thing that needs careful consideration.The driver's record would also get reduced by 2 points upon termination of the suspension in case a 15-day suspension period is suggested. Only if the driver has failed to be present for the departmental hearing he'd have to bear a license cancellation for 60 days. ArindamSenIndies
ArindamSenIndies
Senior member
Leave a quick message

ArindamSenIndies

Joined: 14 Feb 2007
Posts: 360


68.94 Dollars($)

PostPosted: Thu Sep 04, 2008 6:52 am   Post subject:   

Quote:
2) Plead not guilty, go to court, and offer to pay more upfront to erase the points.




This statement is rather contradictory, if you plead not guilty, it implies that you are interested in contesting the citation. You are then required to find a legal representation for yourself to appear before the court and have to undergo the trial. The question of paying for the points isn't arising in this situation.



However, I don't understand how can you pay more to erase the points from your record? and also why would you at all pay the fine when you want to fight the tickets?
jeorge
Senior member
Leave a quick message

jeorge

Joined: 07 Oct 2005
Posts: 798


132.85 Dollars($)

PostPosted: Thu Sep 04, 2008 6:58 am   Post subject:   

Hi,



For excessive speeding the penalties would be like-





  • A license withdrawal for 15 days



  • Go for the on-road driving test




Quote:
Once they have been found guilty of driving at a speed more than 26mph.




On the other hand if the driver would exceed a speed range beyond 31 mph, then also he'd need to face a departmental hearing.



Thanx, Roddick
roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.27 Dollars($)

PostPosted: Thu Sep 04, 2008 7:09 am   Post subject:   

Hi, I'd like to share some important notification about exceeding 11 points..



I've found out that once the driver attains 11 or more points then his license would automatically be snatched. The period for which a license could be possessed could vary anywhere between the following:





  • 1st Suspension - 5 days for each point attached.

  • 2nd Suspension - 10 days for each point attached.

  • 3rd Suspension - 15 days for each point attached.

  • Following suspensions - 1 year


Hope this information would be useful to all..

Fatman
fatman
Moderator
Leave a quick message

fatman

Joined: 04 Oct 2005
Posts: 568


104.31 Dollars($)

PostPosted: Thu Sep 04, 2008 7:38 am   Post subject:   

I'm not sure if the defensive driving course can help in removing the points from one's record, but it definitely helps in improving the driving skills of the motorist. The agenda of the defensive driving course is to maximize the alertness of the drivers and minimize their chances of committing human errors while driving.



Though it's targeted towards the drivers who have shown irresponsible behavior and have earned points against their licenses, it can also help the drivers in general in improving their driving skills.



Regards,

Juanita

Juanita
Moderator
Leave a quick message

Juanita

Joined: 04 May 2007
Posts: 737

Location: Idaho
137.60 Dollars($)

PostPosted: Thu Sep 04, 2008 7:52 am   Post subject:   

Hi guys,



Whenever a person is driving safely for 12 consecutive months & has not been charged with any negligence that adds points, license cancellation or license revocation then his driving record would undergo a reduction by 3 points.



On the other hand when the driving record is down to zero & maintains it consistently for 12 consecutive months, then any further addition of points would be considered as a commencement of points accumulation.

Roddick

roddick
Senior member
Leave a quick message

roddick

Joined: 05 Oct 2005
Posts: 957


143.27 Dollars($)

All times are GMT
1, 2  Next  
Page 1 of 2


Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 5.430 seconds.